Market Price

70.80 

0.90 1.3%

as of Oct 18 '19

52 Week Range:

57.01 75.36


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Prosperity Bancshares, Inc. operates as bank holding company for the Prosperity Bank that provides retail and commercial banking services to small and medium-sized businesses, and consumers. It accepts various deposit products, such as demand, savings, money market, and time accounts. The company also offers 1-4 family residential mortgage, commercial mortgage and multifamily residential, commercial and industrial, agricultural real estate, and non-real estate agricultural loans, as well as construction, land development, and other land loans; consumer loans, including automobile, recreational vehicle, boat, home improvement, personal, and deposit account collateralized loans; and consumer durables and home equity loans. In addition, it provides Internet banking and other cash management, mobile banking, trust and wealth management, retail brokerage, mortgage banking, and automated telephone banking services, as well as debit and credit cards. As of December 31, 2018, the company operated 242 full service banking locations comprising 65 in the Houston area, including The Woodlands; 29 in the South Texas area consisting of Corpus Christi and Victoria; 33 in the Dallas/Fort Worth area; 22 in the East Texas area; 29 in the Central Texas area comprising Austin and San Antonio; 34 in the West Texas area, including Lubbock, Midland-Odessa and Abilene; 16 in the Bryan/College Station area; 6 in the Central Oklahoma area; and 8 in the Tulsa, Oklahoma area. Prosperity Bancshares, Inc. was founded in 1983 and is based in Houston, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 27.24
29.03
31.11
32.86
37.02
36.17
45.61
48.72
51.73
54.42
57.21
growth rate 6.6% 7.2% 5.6% 12.7% -2.3% 26.1% 6.8% 6.2% 5.2% 5.1%
Earnings BIT 126.44
168.72
191.80
213.77
251.68
329.82
451.52
433.31
412.69
420.25
growth rate 33.4% 13.7% 11.5% 17.7% 31.1% 36.9% -4.0% -4.8% 1.8%
Avg.PE 15.92
16.78
14.41
13.39
12.99
17.33
12.01
11.08
19.13
19.45
16.15
growth rate 5.4% -14.1% -7.1% -3.0% 33.4% -30.7% -7.7% 72.7% 1.7% -17.0%
ROA 1.09
1.25
1.39
1.47
1.38
1.33
1.48
1.32
1.24
1.21
1.42
growth rate 14.7% 11.2% 5.8% -6.1% -3.6% 11.3% -10.8% -6.1% -2.4% 17.4%
ROE 7.09
8.59
9.11
9.39
9.18
9.08
9.86
8.55
7.73
7.29
8.17
growth rate 21.2% 6.1% 3.1% -2.2% -1.1% 8.6% -13.3% -9.6% -5.7% 12.1%
ROIC 11.57
11.81
10.15
9.58
9.47
9.29
10.30
growth rate 2.1% -14.1% -5.6% -1.2% -1.9% 10.9%
Leverage 7.23
6.55
6.53
6.27
6.98
6.69
6.63
6.36
6.13
5.91
5.60
growth rate -9.4% -0.3% -4.0% 11.3% -4.2% -0.9% -4.1% -3.6% -3.6% -5.3%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 29.41
42.34
49.25
51.94
51.92
53.31
56.37
growth rate 44.0% 16.3% 5.5% 0.0% 2.7% 5.7%
Acct.Payable 2.80
1.90
2.50
17,693.16
17,681.12
17,307.30
17,821.46
17,256.56
growth rate -32.1% 31.3% 707,626.3% -0.1% -2.1% 3.0% -3.2%
Cur.Assets 741.70
642.95
533.37
491.26
498.83
growth rate -13.3% -17.0% -7.9% 1.5%
Total Assets 9,072.40
8,850.40
9,476.60
9,822.67
14,583.57
18,642.03
21,507.73
22,037.22
22,331.07
22,587.29
22,693.40
growth rate -2.5% 7.1% 3.7% 48.5% 27.8% 15.4% 2.5% 1.3% 1.2% 0.5%
Cash 212.40
195.00
159.00
4,883.98
7,802.83
8,630.34
510.35
467.46
316.68
279.91
295.83
growth rate -8.2% -18.5% 2,971.7% 59.8% 10.6% -94.1% -8.4% -32.3% -11.6% 5.7%
Inventory 3.30
3.13
15.70
11.19
1.81
growth rate -5.2% 401.1% -28.8% -83.9%
Cur.Liabilities 18,011.87
18,483.27
18,615.05
18,648.56
18,566.58
growth rate 2.6% 0.7% 0.2% -0.4%
Liabilities 7,817.30
7,499.20
8,024.20
8,255.41
12,494.18
15,855.21
18,262.91
18,574.31
18,688.76
18,763.14
18,640.58
growth rate -4.1% 7.0% 2.9% 51.4% 26.9% 15.2% 1.7% 0.6% 0.4% -0.7%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
176.26
6.40
5.78
5.22
10.03
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -91.2% -96.4% -9.7% -9.7% 92.0%
Equity 1,255.10
1,351.20
1,452.30
1,567.27
2,089.39
2,786.82
3,244.83
3,462.91
3,642.31
3,824.15
4,052.82
growth rate 7.7% 7.5% 7.9% 33.3% 33.4% 16.4% 6.7% 5.2% 5.0% 6.0%
Common Shares 45.00
46.00
47.00
47.00
52.00
61.00
69.00
70.00
70.00
69.00
70.00
growth rate 2.2% 2.2% 0.0% 10.6% 17.3% 13.1% 1.5% 0.0% -1.4% 1.5%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures -12.50
7.30
-21.50
9.48
12.44
24.01
12.08
9.36
5.01
11.23
15.12
growth rate 100.0% -100.0% 100.0% 31.2% 93.0% -49.7% -22.5% -46.5% 124.3% 34.6%
Cash Dividends 23.40
26.20
29.80
33.74
41.54
54.04
68.38
78.26
86.23
95.89
104.05
growth rate 12.0% 13.7% 13.2% 23.1% 30.1% 26.6% 14.4% 10.2% 11.2% 8.5%
Cash From OA 123.70
73.60
177.70
217.87
209.81
307.66
348.26
310.81
334.36
390.73
320.15
growth rate -40.5% 141.4% 22.6% -3.7% 46.6% 13.2% -10.8% 7.6% 16.9% -18.1%
FCF per Share 2.55
0.83
3.50
4.30
3.80
3.96
4.84
4.80
5.42
4.62
3.66
growth rate -67.5% 321.7% 22.9% -11.6% 4.2% 22.2% -0.8% 12.9% -14.8% -20.8%
Sale Purchase of Stock 4.18
3.57
5.38
3.71
0.29
0.78
0.15
growth rate -14.4% 50.6% -31.1% -92.2% 168.3% -81.0%
FCF 116.00
39.00
164.00
208.00
197.00
284.00
336.00
301.00
329.00
379.00
305.00
growth rate -66.4% 320.5% 26.8% -5.3% 44.2% 18.3% -10.4% 9.3% 15.2% -19.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 280.10
367.20
372.00
427.95
495.38
634.72
773.71
743.73
727.05
715.90
729.27
growth rate 31.1% 1.3% 15.0% 15.8% 28.1% 21.9% -3.9% -2.2% -1.5% 1.9%
Op.Income 126.40
168.70
191.80
141.75
167.90
221.40
471.73
454.78
431.11
427.32
422.99
growth rate 33.5% 13.7% -26.1% 18.5% 31.9% 113.1% -3.6% -5.2% -0.9% -1.0%
IBT 126.44
168.72
191.80
213.77
251.68
329.82
445.75
430.20
408.66
406.07
403.04
growth rate 33.4% 13.7% 11.5% 17.7% 31.0% 35.2% -3.5% -5.0% -0.6% -0.8%
Net Income 84.50
111.90
127.70
141.75
167.90
221.40
297.44
286.65
274.47
272.17
321.81
growth rate 32.4% 14.1% 11.0% 18.5% 31.9% 34.4% -3.6% -4.3% -0.8% 18.2%
EPS 1.86
2.41
2.73
3.01
3.23
3.65
4.32
4.09
3.94
3.92
4.61
growth rate 29.6% 13.3% 10.3% 7.3% 13.0% 18.4% -5.3% -3.7% -0.5% 17.6%
Gross Profit 773.71
743.73
727.05
715.90
729.27
growth rate -3.9% -2.2% -1.5% 1.9%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 16,978.60
16,733.76
17,256.56
17,197.77
16,887.63
growth rate -1.4% 3.1% -0.3% -1.8%
Cur.Assets 370.35
380.40
498.83
375.07
383.00
growth rate 2.7% 31.1% -24.8% 2.1%
Total Assets 22,570.74
22,612.58
22,693.40
22,354.24
22,375.22
growth rate 0.2% 0.4% -1.5% 0.1%
Cash 275.48
294.47
295.83
292.06
302.62
growth rate 6.9% 0.5% -1.3% 3.6%
Inventory 10.32
1.00
1.81
2.75
2.68
growth rate -90.3% 80.7% 52.1% -2.6%
Cur.Liabilities 18,517.49
18,525.74
18,566.58
18,127.87
18,139.23
growth rate 0.0% 0.2% -2.4% 0.1%
Liabilities 18,635.29
18,616.89
18,640.58
18,244.45
18,247.33
growth rate -0.1% 0.1% -2.1% 0.0%
LT Debt 12.55
10.11
10.03
9.85
8.27
growth rate -19.5% -0.8% -1.7% -16.0%
Equity 3,935.45
3,995.70
4,052.82
4,109.79
4,127.90
growth rate 1.5% 1.4% 1.4% 0.4%
Common Shares 69.84
69.84
69.85
69.85
69.26
growth rate 0.0% 0.0% 0.0% -0.8%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 3.20
4.21
4.62
3.63
8.11
growth rate 31.5% 9.8% -21.4% 123.1%
Cash Dividends 25.14
25.14
28.63
28.64
28.64
growth rate 0.0% 13.9% 0.0% 0.0%
Cash From OA 80.35
68.34
93.94
133.57
72.92
growth rate -15.0% 37.5% 42.2% -45.4%
Sale Purchase of Stock
growth rate
FCF 77.14
64.12
89.31
129.93
64.82
growth rate -16.9% 39.3% 45.5% -50.1%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 186.17
185.59
185.34
182.36
184.00
growth rate -0.3% -0.1% -1.6% 0.9%
Op.Income 107.74
108.88
108.91
107.38
106.83
growth rate 1.1% 0.0% -1.4% -0.5%
IBT 102.57
103.83
104.52
103.78
103.18
growth rate 1.2% 0.7% -0.7% -0.6%
Net Income 81.60
82.52
83.33
82.40
82.26
growth rate 1.1% 1.0% -1.1% -0.2%
EPS
growth rate
Gross Profit 186.17
185.59
185.34
182.36
184.00
growth rate -0.3% -0.1% -1.6% 0.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (47.13)

YOY Growth Grade:

C (50.11)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.76 14.96 13.56
EPS / Growth 1.6% 4.73 8.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 9.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.6% 6.6% 6.6%
Future PE 3.26 13.87 13.87
Future EPS 5.56 9.00 9.00
Value Price
MOS %
4.48
-93.7%
30.86
-56.4%
30.86
-56.4%
MOS Price 2.24 15.43 15.43
IRT 13.30 10.23 10.23

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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